Home Loan Options
Explore our comprehensive range of home loan options designed to meet your unique needs.
At Trust Wise Mortgage, we’re committed to finding the perfect loan for your situation, offering expert guidance and competitive rates to help you achieve your homeownership goals.
Conventional Calculator
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Estimate the monthly payment for a fixed-rate conventional mortgage. Enter the purchase price, down payment, and interest rate to see principal and interest, taxes, insurance, and PMI when the down payment is less than 20 percent.
Calculator inputs
Estimated payment
PMI estimate assumes a single rate; actual PMI varies by credit score, LTV, and lender. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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FHA Calculator
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Estimate the monthly payment on an FHA loan. The calculator includes the 1.75 percent upfront mortgage insurance premium and the annual MIP that applies for the life of most FHA loans.
Calculator inputs
Estimated payment
FHA MIP rates and upfront fees are based on the latest published HUD tables and may change. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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VA Calculator
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Estimate the monthly payment on a VA loan for eligible veterans, active-duty service members, and surviving spouses. The calculator factors in the VA funding fee, which varies by down payment and whether this is a first or later use. Reserves and National Guard members pay the same fee as regular service members.
Calculator inputs
Estimated payment
VA funding fee shown is based on the published VA fee table and is financed unless you select the exemption. Confirm exemption eligibility with your lender; receiving service-connected disability compensation and certain other circumstances may qualify. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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USDA Calculator
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Estimate the monthly payment on a USDA Rural Development loan. The calculator includes the 1 percent upfront guarantee fee and the 0.35 percent annual fee, and supports zero down for eligible properties.
Calculator inputs
Estimated payment
USDA Rural Development loans require an eligible property and household income. Uses FY2027 rates: a 1.0% upfront guarantee fee, fully financed and calculated on the total loan including the fee, and a 0.35% annual fee. The monthly annual-fee estimate uses the first year's average scheduled unpaid balance; it declines in later years. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Jumbo Calculator
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Estimate the monthly payment on a jumbo loan, used for purchase prices above the conforming loan limit. Defaults are tuned for typical high-balance scenarios.
Calculator inputs
Estimated payment
Jumbo loans exceed the conforming loan limit and typically require stronger credit, higher reserves, and 20%+ down. Interest rate shown is not APR and may be lower than the APR you would actually pay. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Investment Property Calculator
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Estimate the monthly payment on an investment property. Lenders typically require larger down payments and charge slightly higher rates on non-owner-occupied loans.
Calculator inputs
Estimated payment
Investment property loans typically require 20-25% down and carry interest rates 0.5% to 1% higher than primary residence loans. Rental income is often required to meet DTI guidelines. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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Second Home Calculator
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Estimate the monthly payment on a second home or vacation property. Uses conventional underwriting with second-home tuned defaults.
Calculator inputs
Estimated payment
Second home loans typically require 10% to 25% down and carry rates slightly higher than primary residence loans. The property must be occupied by the borrower part of the year and may not be rented out full-time. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Year-by-year amortization schedule showing principal paid, interest paid, and remaining balance Year Principal Interest Balance
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DSCR Calculator
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Check whether an investment property's income covers its mortgage. The calculator finds the Debt Service Coverage Ratio (net operating income divided by the loan payment), flags whether it clears your lender's minimum, and shows the largest loan the income can support.
Calculator inputs
Estimated payment
DSCR guidelines vary by lender and program; a ratio at or above the target does not guarantee approval. Net operating income excludes mortgage principal and interest. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Refinance Calculator
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Compare your current mortgage against a new loan to see if refinancing makes sense. The calculator shows monthly savings, the break-even month, and total interest savings over the life of the new loan.
Calculator inputs
Current Loan
New Loan
Estimated payment
Refinance comparison uses the rates and fees you enter. Actual savings depend on closing costs, escrow handling, and the rate you are quoted. Interest rates shown are not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Affordability Calculator
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Find out how much house you can afford based on your income, monthly debts, taxes, insurance, and down payment. Uses the standard 28 percent housing and 36 percent total-debt ratios.
Calculator inputs
Estimated payment
Affordability estimates use 28/36 DTI guidelines and an illustrative 0.5% annual PMI rate when the down payment is below 20%. Actual PMI and qualification criteria vary by lender. The payment and DTI reflect the estimated loan, taxes, insurance, and PMI; HOA and closing costs are excluded. Interest rate shown is not APR. Estimates are illustrative only and not a commitment to lend.
NMLS# 237873
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Rent vs. Own Calculator
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See whether buying or renting builds more wealth over the years you plan to stay. The calculator compares the full cost of owning (payment, taxes, insurance, upkeep, and selling costs) against renting with the down payment invested, then finds the break-even year where buying pulls ahead.
Calculator inputs
Estimated payment
Results depend on assumed appreciation, rent growth, and investment return, none of which are guaranteed. Assumes 2% buying closing costs, 6% selling costs, a fixed-rate loan, and taxes, homeowners insurance, upkeep, HOA and rent rising at the rent increase rate. PMI uses the entered annual rate on original principal for down payments below 20%, ending at scheduled 78% of original home value or the month after the loan midpoint, whichever comes first, with payments current. Actual PMI terms vary; enter 0 for a loan without monthly PMI. Estimates are illustrative only and not financial advice.
NMLS# 237873
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Home Loan
Our conventional home loans offer flexible terms and competitive rates, perfect for both first-time homebuyers and seasoned homeowners looking to purchase a new home. Trust Wise Mortgage is here to simplify the process, ensuring a smooth and seamless journey from application to closing.
Refinances & Reverse Mortgages
Refinancing can be a powerful tool to lower your monthly payments, reduce your loan term, or access your home’s equity. Considering retirement options? Our reverse mortgages provide financial flexibility, allowing you to enjoy your home’s value without monthly payments.
VA & USDA Loans
Veterans, active-duty service members, and rural homebuyers can benefit from our VA and USDA loan programs, which offer favorable terms and no down payment options. Trust Wise Mortgage proudly supports our veterans and rural communities with these specialized loans designed to make homeownership more accessible.
Specialty Home Loans
From jumbo loans for high-value properties to doctor loans tailored to medical professionals, our specialty loan products cater to unique financial situations. We provide expert guidance to help you navigate these specialized loan options with ease.
Frequently Asked Questions
What type of loan is best for me?
We offer a wide range of loan products tailored to fit your unique financial needs. Contact us for personalized advice and to explore your options.
How long does the loan process take?
The loan process timeline can vary, but we strive to make it as quick and efficient as possible.
What are the benefits of refinancing?
Refinancing can lower your interest rate, reduce your monthly payment, or allow you to tap into your home’s equity. We’ll help you determine if it’s the right move for you.